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Debt Collection Laws by State

This addendum contains links to state-specific resources that provide an overview of debt collection, citations of state debt collection laws, and web addresses to access those citations online. It is not intended to give legal advice and may not be complete.

Remember that The federal Fair Debt Collection Practices Act (FDCPA) (15 USC §§1692-1695) applies to collection agencies in all states. The full text of the FDCPA is found at

Arizona Maryland Pennsylvania
Arkansas Massachusetts Rhode Island
California Michigan South Carolina
Colorado Minnesota South Dakota
Connecticut Missouri Tennessee
Florida Nebraska Texas
Georgia Nevada Utah
Hawaii New Hampshire Vermont
Idaho New York City Washington State
Illinois New York State West Virginia
Indiana North Carolina Wisconsin
Iowa North Dakota Wyoming
Kansas Ohio
Louisiana Oklahoma
Maine Oregon


Arizona Administrative Code, Title 20, Article 15 - Collection agencies, operations
Scroll down to Article 15, Collection Agencies


Fair Debt Collection Practices Guide

Arkansas Code Title 17, Chapter 24, Section 203 (17-24-203)


Attorney General's Collection Agencies Guide

Department of Consumer Affairs Guide
What to Do If You Receive a Demand for Payment from a Creditor or Debt Collection Agency

Summary of the Fair Debt Collection Practices Statutes, covers both federal and California state laws

California Civil Code Section 1788, et seq.


Collection Agencies and Debt Collection

Colorado Revised Statute Title 12, Article 14, Section 101, et seq. (12-14-101)


Connecticut Statute § 36a-805


How to Protect Yourself: Debt Collections/Consumer
Go to:, click on What Florida Law Provides, click on the link 'For information on how to protect yourself against consumer fraud,' scroll down to Debt Collection.

Florida Statute Title 33, Chapter 559, Section 72, (33-559.552, et seq.)


Official Code of George Title 7-3, Section 25 (7-3-25) - (no official online source)

Department of Consumer Affairs Guide


Hawaii Code § 433b


Consumer Protection Manual

Title 26, Chapter 22


Debt Collection

Illinois Compiled Statute, Chapter 225, Section 425


Fair Debt Collection Guide

Indiana Code Title 25, Article11


Iowa Attorney General's Guide to Debt Collection

Iowa State Code Sections 537.7103(1) - 7103(6)


Attorney General Consumer Protection Letter


Louisiana Revised Statute Title 9, Section 5362


Debt Collector FAQ

Maine Revised Statute, Title 32, Chapter 109-A


Dealing with Debt Collectors Guide

Maryland Code § 14-2 (Click Commercial Law folder, then Subtitle 14)


Guide to Fair Debt Collection

Mass. General Law, Part 1, Title XV, Chapter 93, Sections 24-28 & Section 49

Code of Massachusettes Regulations, 940 CMR 7


Michigan Compiled Law, Chapter 445, Act 70 of 1981


Know Your Rights: Guard Yourself Against Debt Collectors

Minnesota Statute Chapter 332, Section 37 (332.37)


Missouri Dept. of Finance - Debt Collection Problems?


Nebraska Code § 45-601 through § 46-622


Neveda Chapter 659

New Hampshire

New Hampshire Revised Statute, Title XXXI, Chapter 358-C (358-C:1)

New Hampshire Department of Justice Consumer Sourcebook

New Mexico

Annotated Code of New Mexico, Chapter 61, Article 18A (61-18A)

New York City

Debt Collection Guide

New York State

New York Code 29-H (Debt Collection Procedures)

When Debt Collectors Cross the Line

Penal Law, Part 3, Title K, Article 190.50

North Carolina

North Carolina General Statute, Chapter 75, Article 2, Section 75-50, et seq.

North Dakota

North Dakota Collector Regulation Statute § 13-05


Ohio Revised Code, Title 13, Chapter 1319

Ohio Legal Services Q&A


Oklahoma Statute, Title 15, Chapter 20,Section 755.1


Oregon Revised Statute, Chapter 646, Section 646.639 et seq.


PA Debt Collection Practices

Pennsylvania Statute, Title 73, Chapter 42 (73 P.S. § 2270.1)
(no official link for PA statute)

Rhode Island

Rhode Island Debt Collections Act § 19-14.9

South Carolina

Debt Collection FAQ

South Carolina Debt Collections Act § 37-005

South Dakota

Attorney General Consumer Protection Guide (pg. 62)


Title 62, Chapter 20


Texas Statute, Finance Code, Title 5, Chapter 392

Texas Attorney General Office - Debt Collection


What Rights Do I Have When Collectors Call?

Utah Annotated Code, Title 12


Vermont Code

Vermont Consumer Debt Collection Guide

Washington State

Revised Code of Washington, Title 19, Chapter 16

West Virginia

What Are My Rights as a Consumer with Debts in Collection? Guide


Wisconsin Statute, Chapter 427


Prohibited Collection Practices

Wyoming Statute, Title 33, Chapter 11


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